TRAVEL INSURANCE COVERAGE

TRAVEL INSURANCE COVERAGEAmanda Dellit Insurance Office - University of Queensland1WHY DO I NEED INSURANCE?

If you incur medical expenses while overseas and you don't have travel insurance, you are personally liable for covering these costs.The Government cannot pay for medical expenses overseas.Travel insurance is as essential as your passport, regardless of your travel destination.

Smart Traveller includes all the latest travel warning information as well as helpful information about dress, conduct and lawsfor each country. 2

AM I ELIGIBLE?No application needed! Its automatic.Automatic travel insurance coverage applies once the following requirements are met:You must be a current enrolled student at UQ; and You must be on UQ authorised travel Complete a Travel Notification Template (available from our webpage)Send to UQ AbroadReceive a Travel Notification Number3

You are covered:direct travel to and from Australia to your exchange location; 5 days at your exchange location immediately prior to your semester or language classes (settling in period); 5 days at your exchange location after your semester ends (packing up period); while youre at your exchange location;if you travel further than 60km from your exchange location AND YOURE NOT staying overnight.

WHEN AM I COVERED?4

WHEN DO I NEED MY OWN INSURANCE?Are you planning on staying at your exchange location for the full duration of your exchange?

You need to arrange your own travel insurance when you are:travelling further than 60km away from your exchange location AND staying overnight.

5WHERE CAN I GET EXTRA TRAVEL INSURANCE?You can arrange your travel insurance through: ACE Ina-Suitcase: http://inasuitcase.aceinsurance.com.au/UNIQLD/homepage.aspxDiscounted rates, quick and easy to arrange online.or an insurer of your choice.

Use of ACE Ina-Suitcase is between you and ACE, and in no way associated with the University.

Online Quote / Apply6

WHAT IF I HAVE TWO INSURANCE POLICIES?Its okay to have two concurrent travel insurance policies.Which one do I make a claim through?If you are claiming for an event that occurred during your exchange (not private travel), then:You must claim from your other travel policy first. If there is any difference in cover, then you can advise UQ of your other travel policy and claim the remainder through UQs Travel Insurance Policy.

7e.g. your credit card provider may provide a policy that covers you for your entire journey.

AM I TRAVELLING TO A SAFE COUNTRY?Check the security situation for your destination on www.smartraveller.gov.auYou will need additional approval to depart from the DVC (International) if the security situation in the intended destination is:Level 3 Reconsider your need to travel; orLevel 4 Do not travel.Notify the Insurance Office insurance@uq.edu.au if you are travelling to Afghanistan, Chad, Chechnya, Ivory Coast, Democratic Republic of Congo, Iraq, Israel, Somalia or Sudan. If the security situation increases to Level 4 or you feel unsafe while in the country, please contact ACE Assistance.

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Please visit the Smart Traveller website to access the latest overseas travel advice www.smartraveller.gov.au

TRAVEL ADVISORIESSmart Traveller includes all the latest travel warning information as well as helpful information about dress, conduct and lawsfor each country.

9WHAT DO I DO IN AN EMERGENCY?Contact the local telephone operator and ask for a reverse charge call to ACE Assistance on 61 2 8907 5995 .Quote Policy Number: 01PP529201Instant telephone assistance or advice is available anywhere in the world.

01PP52920110IN THE EVENT OF AN EMERGENCYThis service includes:Emergency medical advice 24 hours per dayEvacuation or repatriation if necessaryLiaison and case management with your hospital or medical providerAssistance in replacing a lost or stolen passportVerification of medical insurance to medical providersGuaranteed payment of medical service providersAdvice and information on the location of physicians, hospitals, and dentists worldwideRepatriation of mortal remains

PRE-EXISTING MEDICAL CONDITIONSIf you have a pre-existing medical condition which is not on the list in the Student Travel Insurance Summary, then please have your Doctor complete a Fit to Travel Report (available from our webpage) within 30 days of your journey and email to insurance@uq.edu.au 7 days prior to departure.Please note that the insurer will not be liable for any expenses:incurred where a Journey is undertaken against the advice of a Doctor or when the Covered Person is unfit to travel or if the purpose of the Journey is for the Covered Person to seek medical attention for a pre-existing medical condition.incurred for any medication or ongoing treatment for a condition which commenced prior to the commencement of a Journey and which such medication or treatment the Covered Person has been advised to continue during travel.incurred for routine medical, optical or dental treatment or consultation. Dental treatment is limited to emergency only and must be certified as necessary by a Doctor or dentist.*Subject to policy terms, conditions, exclusions and limitations as specified in the policy wordings.12

Click onInsuranceINSURANCE WEBPAGE www.fbs.uq.edu.au/insurance

Click on Insurance13

Click onStudent TravelInsuranceINSURANCE WEBPAGE (CONTD)Student Travel Insurance SummaryINSURANCE WEBPAGE (CONTD)

Click on Staff Travel Insurance15CERTIFICATES OF CURRENCY

A Certificate of Currency certifies that the Universityhas a current Travel Insurance policy in place. It includes the travellers name, dates of travel andperiod of coverage.

Certificates are often required for visas, placements and exchange.Please contact insurance@uq.edu.au to request a certificate and include: Full Name (as per passport); Student Number; Travel Notification Number; Why the certificate is required (e.g. Visa for USA).

SAMPLE CERTIFICATE OF CURRENCY

A Certificate of Currency is a document from the University's insurer certifying that the Universityhas a current travel insurance policy in place. It includes the type, limits, andperiod of coverage.It is common for bodies external to the University to request certificates for activities such as consultant submissions, grant applications, and student work experience.Schools/Units are to request certificates from the UQ Insurance Office by sending an email to insurance@uq.edu.auStudents or Staff cannot email the Insurance directly as we have no way of validating that the travel is for University business purposes.The email needs to specify:the insurance policy the certificate is required for; the dates of travel (outlining business and private travel); details of why the certificate is required e.g. visa. Apdf version of the requested certificates will be emailed to the School/Unit.Certificates will be issued within2 working days. Certificates issued must not be used for any purpose other than specified.

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WAIVERSRequired by some exchange universitiesComplete your details on the waiver formScan and email to insurance@uq.edu.au A pdf copy will be emailed back to you

SAMPLE CERTIFICATE OF CURRENCY

A Certificate of Currency is a document from the University's insurer certifying that the Universityhas a current travel insurance policy in place. It includes the type, limits, andperiod of coverage.It is common for bodies external to the University to request certificates for activities such as consultant submissions, grant applications, and student work experience.Schools/Units are to request certificates from the UQ Insurance Office by sending an email to insurance@uq.edu.auStudents or Staff cannot email the Insurance directly as we have no way of validating that the travel is for University business purposes.The email needs to specify:the insurance policy the certificate is required for; the dates of travel (outlining business and private travel); details of why the certificate is required e.g. visa. Apdf version of the requested certificates will be emailed to the School/Unit.Certificates will be issued within2 working days. Certificates issued must not be used for any purpose other than specified.

17MAKING A CLAIMFill in a Travel Claim Form (available on Insurance Office webpage)Add supporting documentation (e.g. doctors report, police report, receipts etc)Email the travel claim paperwork to insurance@uq.edu.auCSN will contact you within 10 business days of submitting your claim.

Pleaseensurethetravelinformationandauthorisationhasbeencompletedandsigned byanauthorisedofficeroftheuniversity. Otherwiseyourclaimcannotbesubmitted and will be returned to you for completion.

18WHAT AM I COVERED FOR?These are some of the things you are covered for:Accidental Injury and Sickness ($50 excess)Medical and Additional Expenses ($100 excess)Cancellation and Curtailment ExpensesLoss of DepositsBaggage ($250 excess)Electronic Equipment ($500 excess)Money / Travel Documents ($250 excess) Missed Transport ConnectionsOverbooked FlightsEvacuation

Subject to the TERMS, CONDITIONS AND EXCLUSIONS of the policy.

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WHAT AM I COVERED FOR? - EXAMPLES

Subject to the TERMS, CONDITIONS AND EXCLUSIONS of the policy.Fall and subsequent seizure requiring medical evacuation back to AustraliaBackpack containing laptop and phone wrenched from students shoulder by thiefPassport stolen from locked dorm roomBroken arm while skiing

Broken collarbone playing volleyball (non-professional)

Missed connecting flight due to prior flight being delayed

Chest infection develops overseas, requiring a Doctors appointment and antibiotics20WHAT ISNT COVERED? These are some of the things youre not covered for:Illegal or criminal activity.The use or effect of alcohol or drugs.Medical expenses incurred in Australia, which a Medicare benefit is or would be payable (Health Insurance Act 1973).Routine medical, optical or dental treatment/consultation.Any loss or damage not reported to authorities as soon as possible.If you leave your electronic equipment unattended.Any electronic equipment thats not accompanied by you as personal cabin baggage.Medical and evacuation coverage is excluded if the traveller is going to their home country. If you change your plans or youre disinclined to travel.*Subject to policy terms, conditions, exclusions and limitations as specified in the policy wordings.

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CASE STUDY 1BACKGROUNDStudent aged 22Inexperienced travellerStudying on exchange in GermanyGoing on fieldtrip to France

WHAT HAPPENEDStudent is going on a 3 day course related fieldtrip to France leaving Saturday.Students passport is stolen on Friday.Student is told by French officials he cannot travel into France without a valid passport.

STOLEN PASSPORTPlease note that the photo is only a representation for display purposes only and is not the actual personREAL CASE FILEStudent didnt take a copy of his passport.Student notifies the Australian Embassy, who advise it could take a minimum of 1 week to process his new passport.Student must now cancel his trip to France and stay in Germany.He later finds out his flight and accommodation bookings were non-refundable.

CASE STUDY 1STOLEN PASSPORTWHAT WENT WRONGDidnt take a copy of passportDidnt book refundable tickets (not always possible)WHAT WORKEDAdvised his Home University of dates and location of fieldtrip prior to booking flights and accommodationNotified local police and got a police reportContacted the Australian Embassy and asked for assistanceNotified ACE Assistance 61 2 8907 5995Notified his Home University

BACKGROUNDTravelling to Denmark for semester23 year old studentExperienced TravellerFit & Well

WHAT HAPPENED?Student goes to the University gym after lecturesStudent uses toilets located in the gym area next to the saunaDoor lock seizes and student is locked in toilet cubicleUnable to raise any assistance - no one aroundNo way of escape student becomes very anxious

Please note that the photo is only a representation for display purposes only and is not the actual personCASE STUDY 2AN UNUSUAL INCIDENTREAL CASE FILE24After 2 hours with temperature increasing due to sauna room leaking heat, student climbs up side wall and squeezes though a gap of about 20 cm at top of wallStudent suffers cuts and abrasions plus sprained ankleStudent contacts ACE Assistance and is referred to doctor and a counsellor

CASE STUDY 2AN UNUSUAL INCIDENTWHAT WENT WRONGThe door!No one would have missed our student for possibly 24 hours as they were not due to lectures until the next afternoon.WHAT WORKEDStudent knew who to contact immediately for assistanceStudent obtained medical care quicklyStudent had access to counsellors immediately

BACKGROUND21 year old studentNew traveller with very limited travel experience 3 week placement in India Fit and WellWHAT HAPPENEDOut with other students travelling in a tuk tukStudent is wearing skimpy shorts and singlet topRoad accident happens when young driver is distracted by the female students attireLocal youth travelling on a motor cycle is decapitated in the accident and killedCASE STUDY 3CULTURAL DIFFERENCESREAL CASE FILEPlease note that the photo is only a representation for display purposes only and is not the actual personGroup begins to swarm around the students and situation is rapidly becoming aggressive and anger is mounting toward the 3 Australians by the milling crowdQuick thinking by one of the students has them leave the scene of the accident and return to their hotelStudent contacts UniversityUniversity contact ACE Assistance and a counsellor is on the phone to student within a very short timeACE Assistance advises University that it would be best to return student to home or other country ASAPArrangements are made for her to leave the next morningCASE STUDY 3CULTURAL DIFFERENCES

WHAT WENT WRONGStudent didnt check what was culturally appropriate attire in IndiaWHAT WORKEDStudent knew who to contact immediately for assistanceStudent had access to counsellors immediately

ACE = The Universitys current Travel Insurance provider.ACE ASSIST = The team who will assist you in a travel emergency.ACE INA-SUITCASE = ACEs private travel insurance provider.CSN = Corporate Services Network process travel insurance claims.AON = UQs Insurance Broker who arranges the Travel Insurance.

WHOS WHO

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QUESTIONS?DISCLAIMERThis summary has been prepared for general reference only. Nothing contained herein prevails over the TERMS, CONDITIONS AND EXCLUSIONS of the policy.

Were here to help you! Please contact us with any questions:Email: insurance@uq.edu.au Phone: 07 3365 3075Visit our website: www.fbs.uq.edu.au/insurance

Amanda DellitAnnette Russell(Mon & Tues)

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